Knowledge Centre
Group Personal Accident Insurance PolicyGroup Personal Accident Insurance Policy

Group Personal Accident
Insurance

  • Introduction
  • What’s covered?
  • What’s not covered?
  • Why Choose HDFC ERGO?

Group Personal Accident Insurance

In an increasingly competitive business scenario, every organization has to stay prepared for the unexpected. It applies not just to the area you operate in, but also to your employees. After all, no one can afford to lose people, whether to illness, accidents or demotivation. HDFC ERGO’s Personal Accident Policies are designed to empower your Organisation by offering a comprehensive personal accident insurance.

With a choice of comprehensive insurance plans that provide powerful incentives for you and peace of mind for your people.

 

What’s Covered?

What’s Covered?

Covers the insured in case of loss of life in an Accident.

What’s Covered?

Pays a benefit if the insured is permanently disabled in an accident.

What’s Covered?

Pays a reimbursement for medical expenses incurred if the insured requires hospitalisation due to an accident .

What’s Covered?

Pays a daily benefit if the insured needs hospitalisation as an in-patient following an accident.

What’s Covered?

Pays medical insurance premiums for the surviving spouse and dependent child, in case of accidental death of the insured covered under the policy.

What’s Covered?

Pays the costs of reconstructive surgery following an accident.

What’s Covered?

If death results due to bodily injury or sickness of the insured person, the Company agrees to pay to the Insured Person’s beneficiary or legal representative the Compensation towards the cost of the last rites of the Insured Person.

What’s Covered?

 Reimburses the costs of medical expenses incurred by an insured person within 12 months of the date of loss resulting from an accident.

What’s Covered?

  Pays the education fees for the insured person’s dependent child(ren) if an Accident causes the insured’s death within 12 months of the date of loss.

What's Not Covered?

What’s not covered?

If you injure yourself, it stands uncovered under this policy.

What’s not covered?

If you face injuries due to particpation in illegal or criminal act Group Accident Insurance remains uncovered.

What’s not covered?

Injuries due to participation in Adventure sports, hazardous act, Navy and Airforce remains uncovered.

What’s not covered?

Consuming intoxicated substance is harmful, if you face any health issues due to such consumption your policy shall not cover it.

What’s not covered?

HIV & AIDS treatment expenses remain uncovered.

What’s not covered?

Death or Injuries due to War and Terrorism remains uncovered.

Please note that all benefits are Subject to a maximum amount as stated in the policy. In addition, some benefits are Subject to a deductible or a franchise which will be taken into consideration when handling a claim. These will be clearly noted in any quotation released or any policy issued.

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY: 18-19.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY:18-19.
Awards & Recognition
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